If you were hurt loading a ship, repairing a vessel or working a terminal, a federal law called the Longshore and Harbor Workers' Compensation Act usually decides what happens next. It pays medical care and wage-loss benefits without anyone having to prove fault, as long as the worker is covered and the injury happened on navigable water or a nearby maritime work area.
Most people facing a longshore injury are dealing with more than pain. There are medical bills arriving, paychecks that have stopped, and a question nobody has answered plainly: is this a state workers' compensation case, a federal one, or something else? A family may be asking the same question after a death on a pier or in a dry dock. This page walks through who the federal Act covers, where an injury has to happen, the benefits, the notice and claim steps, and the separate claim that can exist against a vessel.
